The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,843
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,616
−HK$785/mo
Today · 4.125%
HK$26,401
baseline
▲ 0.50% · 4.625%
HK$28,007
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,802/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,638
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,379
−HK$752/mo
Today · 4.125%
HK$29,131
baseline
▲ 0.50% · 4.625%
HK$30,666
+HK$1,535/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,262/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,812
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,739
−HK$942/mo
Today · 4.125%
HK$31,681
baseline
▲ 0.50% · 4.625%
HK$33,609
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,362/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,165
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,055
−HK$902/mo
Today · 4.125%
HK$34,957
baseline
▲ 0.50% · 4.625%
HK$36,799
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,914/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,780
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,862
−HK$1,099/mo
Today · 4.125%
HK$36,961
baseline
▲ 0.50% · 4.625%
HK$39,210
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,922/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,693
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,730
−HK$1,053/mo
Today · 4.125%
HK$40,783
baseline
▲ 0.50% · 4.625%
HK$42,933
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,566/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,717
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,108
−HK$1,414/mo
Today · 4.125%
HK$47,522
baseline
▲ 0.50% · 4.625%
HK$50,413
+HK$2,891/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,044/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,748
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,082
−HK$1,353/mo
Today · 4.125%
HK$52,435
baseline
▲ 0.50% · 4.625%
HK$55,199
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,870/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,556 · Scale 2, in force from 26 Feb 2026)